Spud's UE Diary

[Spud]

Ok

So massive apologies for not updating this ( or indeed being here much recently)........I need to change that and hopefully I should be able to now

In short - You are correct Di, Last payment I have recorded was Jan 2013

Original CCA request turned up an application form that was not completely clear - thats it - So was deemed UE by Niddy

Recent (Same) application form copy received but with some variation terms?????

Sent a copy to Niddy - Who advised to send Missing PT's letter - Which was promptly sent

A couple of letters since - Just addressing my complaint ( Missing PT's) and the account will now be passed back into the collections progress ( And potentially reviewed for legal action)

Diary entry for the Tesco account has been updated a couple of posts back ( post no 387) - Colour's to follow !!!!

[Joanna Connolly Solicitors]

You are correct Di, Last payment I have recorded was Jan 2013

Original CCA request turned up an application form that was not completely clear - thats it - So was deemed UE by Niddy

Recent (Same) application form copy received but with some variation terms?????

Sent a copy to Niddy - Who advised to send Missing PT's letter - Which was promptly sent

A couple of letters since - Just addressing my complaint ( Missing PT's) and the account will now be passed back into the collections progress ( And potentially reviewed for legal action)

From what you say you're seven months away from this debt being Statute Barred based on last payment being January 2013. Cabot may know that too which may be why your file has been singled out for attention.

The important thing is not to say/do anything now which could damage your case if they do decide to issue a claim in future. Don't help them to remedy any flaws in advance.

If Cabot decide to go for it they will instruct solicitors, typically Mortimer Clarke, Restons or Shoosmiths. The solicitors will contact you direct and should send a Letter Before Claim giving you 30 days to react before issuing a claim. That will be the time to throw them a curved ball if necessary.

I've replied to your email

Di

[Spud]

The important thing is not to say/do anything now which could damage your case if they do decide to issue a claim in future. Don't help them to remedy any flaws in advance.

Thank you Di

Believe me........I have no intention of doing that

[Spud]

Lloyds Tsb Credit Card

Start: Nov 1997
Balance: £12000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Firmly on the Debt collectors merrygo-round

2012

Jan 20th
Change in circumstances letter sent – token Payments
Jan 31st
Arrears letter received
Feb 22nd
Please freeze interest and token payment sent
Feb 29th
Arrears letter received
March 19th
Confirmation of circumstances letter received
March 21st
CCA request letter sent
March 23rd – Received 27th
Default Notice issued – Not enough time to rectify
March 28th
CCA reply received – Total recon with wrong address for period ect
April 2nd
Missing prescribed terms letter sent
April 5th
Please freeze interest and token payment sent
April 23rd
MHA Collections – Cannot accept your token payments ect
April 25th
SCM Solicitors – Pay within 14 days or Court proceedings Threat ‘O’ Gram
May 17th
Contact only in writing and token payment sent
May 18th
Formal Complaint – Harassment by Telephone
May 29th
SCM Solicitors – Pay arrears or court Threat ‘o’ Gram
May 30th
Formal complaint Acknowledgement letter
June 19th
MHA Collections – Reduced payment offer - £309 P.C.M – Yeah right!
June 19th
Please freeze interest and token payment sent
June 27th
MHA Collections Income/Expenditure request – Cannot accept token payments
July 5th
Copy of application form received with some terms
July 18th
Please freeze interest letter and token payment sent
July 27th
BLS Collections – Introduction & threat of home visit letter
August 17th
BLS – Contact us – possibility of repaying on reduced payments
August 20th
Please freeze interest/Contact by phone and token payment sent
August 28th
BLS – Essential that I phone BLS today….. I did’nt !!!!
Sept 11th
BLS – A “personal visit may be required” letter
Sept 20th
Contact only by letter and token payment sent
Sept 26th
BLS – Contact us within 14 days or force us to commence legal action…
Oct 22nd
SCM Solicitors – Pay balance within 7 days to avoid court proceedings
Oct 22nd
Contact by letter only and token payment sent
Nov 17th
Please freeze interest and token payment sent
Nov 23rd
SCM Solicitors – Cannot accept token payments letter
Dec 18th
Token payment sent


2013

Jan 8th
SCM Solicitors – Tried to contact me without success – Would I give them a call? Letter
Jan 21st
Token payment sent
Feb 6th
CCA Emailed to Niddy - Niddy says
Feb 21st
SCM – Unable to accept token payments letter
April 25th
Your account has been allocated to Wescot – Very poor quality letter - Suspicious
May 3rd
Wescot Hello letter
May 12th
Wescot – Final Notice letter
May 13th
Letter to Lloyds checking April 25th letter was genuine
May 22nd
Wescot - Reduced settlememt offer - Call us to see
June 8th
This debt will not go away letter
June 19th
Threat of doorstep recovery letter
June 25th
Modified "prove it letter sent" to Wescot
June 25th
Formal complaint to Lloyds - Harassment by telephone
June 29th
Wescot - We acknowledge that you have raised a dispute letter
July 9th
Wescot - Our client ( Lloyds Tsb) have advised that given the age of the account a copy agreement is not available letter, PS still pay us!!!!
July 23rd
Reply from Lloyds TSB regarding complaint - We will remove Telephone numbers
Sept 9th
Lloyds Tsb letter - Account assigned to Moorcroft for collection
Sept 11th
Moorcroft introduction letter
Sept 23rd
Moorcroft possible further action letter
Sept 30th
Prove it / Telephone harassment/ No CCA letter sent to Moorcroft
October 4th
Moorcroft letter - We have been instructed to collect - Know of no reason for non payment letter
October 7th
Telephone harassment letter sent to Moorcroft
October 13th
Moorcroft letter - Contacting Lloyds Tsb regarding your quiry - No CCA received
November 9th
Letter from Lloyds Bank - Thankyou for your complaint - Please give us a call ( No account number on letter ect)
November 14th
Letter to Lloyds Bank - No telephone calls and which account does this refer to ect
November 15th
Please contact us so we can discuss your complaint ( Crossed in post)
November 26th
Received another CCA from a Card upgrade and half a rainforest of old statements from Lloyds - This is missing prescribed terms and terms and conditions do not match ect - Niddy confirmed still 100%
December 9th
Letter to Lloyds Bank - Asking for clarification for what exactly has been sent to me on Nov 26th - As there were so many papers

2014

January 23rd
Letter from Lloyds Bank - Confirming that they will only contact me in writing
March 11th
Letter from Moorcroft - Important information - Possible further action ( Gave me 2-3 days to reply before action)
March 14th
Letter to Moorcroft - Official complaint - Sending unfair requests/threats with no time for compliance
March 25th
Latter from Moorcroft - Thank you for your complaint - The account is now closed on our systems
March 29th
Letter from Lloyds bank - We are transferring the account to Robinson way
April 4th
Letter from Robinson Way - Welcome letter
April 5th
Letter from Moorcroft - Reply to my complaint
May 2nd
Letter from Robinson Way - Account remains unpaid letter
May 12th
Letter to Robinson Way - Prove it letter
May 12th
Letter to Moorcroft - Further letter of complaint ( Ongoing complaint they still have not addressed)
May 23rd
Letter from Robinson Way - Thank you for your complaint - We will stop collection activity
July 7th
Letter from Robinson Way - The account remains unpaid letter and you have not been in contact
July 7th
Statement letter from Lloyds Bank
August 27th
Letter to Robinson Way - Official Complaint - Unfair collection activities

2015

June 4th
Statement letter from Lloyds Bank
July 20th
Letter from Cabot - We have recently bought your account
July 22nd
Letter from Lloyds Bank - We have sold your account to Cabot
September 10th
Letter from Cabot - Introduction letter
September 21st
Letter from Cabot - We have been unable to gain your committment to pay
October 5th
Letter from Cabot - As you have not contacted us - Your account may be reviewed for legal action
October 7th
Letter to cabot - Account in dispute and telephone harassment letter
October 8th
Letter from Cabot - Payment offer letter from Cabot

2018

May 8th
Letter from Cabot - We have received your CCA request ( I have not made a CCA request ??)
May 16th
Letter from Cabot - An update on my request - We have not heard back from the original lender
December 8th
Letter from Cabot - Sent some terms and conditions


Diary entry for this account up to date

I have lost the colours for the sent/Received letters - I will update the colours when I am able to make it easier to read